The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
The key drawback to converting your term life policy to a permanent one is the cost. Premiums vary based on many factors. But as an example, a 30-year-old woman who might pay $190 a year for a $250,000 30-year term life policy would pay $2,137.50 a year for a $250,000 for a whole life policy.